We can help you buy your dream home with a no down payment mortgage loan. USDA Loans are available 36 months from a bankruptcy, short sale, or foreclosure. This 100% loan program For PRIMARY HOMES ONLY requires NO second mortgage. In order to finance the full 100%, there is a 2.75% funding fee that is financed into your home loan. This loan will allow the borrower to finance up to 102.75% of the appraised value. NOTE: the USDA one time guarantee fee of 2.75% is being reduced starting Oct 1st 2016 to 1% of the loan amount.